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You should consult with your own tax or legal advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt of the Apple Gift Card prior to enrolling in the offer or accepting the Apple Gift Card. See terms and conditions below for more tax-related information.

Apple Gift Card Promotion Terms & Conditions

This offer is made available at Charles Schwab & Co., Inc.’s (“Schwab”) discretion and is valid from September 17, 2012, to June 28, 2013, for individuals who make a qualifying net deposit of $50,000 or more into a retail brokerage account. Net deposits must be completed within 45 days of enrollment in the offer (“Enrollment”). Net deposits are assets deposited into the account on or after Enrollment and on or before the 45th day after Enrollment, minus assets withdrawn from the account during the same time period, and will be calculated daily. You must maintain the net deposit amount (less market losses, if any) in the account for at least 12 months or Schwab may charge back the value of the Apple Gift Card. This offer is limited to one Apple Gift Card per client.

Upon confirmation of your qualifying net deposit, you will receive a redemption code to be redeemed for a $200 Apple Gift Card (“Apple Gift Card”) through a third-party provider, Links Unlimited, Inc., which will expire 90 days from the last day of the month in which it is issued. The Apple Gift Card can be applied only to purchases in the United States from an Apple Retail Store, the Apple Online Store, or Apple Telesales. Apple Gift Cards may not be redeemed at the iTunes Store; through any Apple resellers; through any AT&T, Verizon, or Sprint retail or online stores; or outside the United States. Apple Gift Cards cannot be applied as payment to any account and cannot be used to purchase additional Apple Gift Cards, mobile phone contracts, or service plans. For additional information and to see full exclusions and limitations, visit www.apple.com/legal/sales_policies/retail_us.html. Apple Gift Card terms and conditions are subject to change without notice. Schwab makes no warranties and disclaims all liability with regard to the Apple Gift Card.

This offer is valid only for retail brokerage accounts and does not apply to brokerage accounts held with or managed by independent investment advisors, Schwab Global Accounts, business accounts, fiduciary accounts, IRA accounts, ERISA-covered retirement plans, certain tax-qualified retirement plans and accounts, or education savings accounts. Only outside assets new to Schwab qualify. Transfers between Schwab accounts or from Schwab affiliates, for example, do not qualify. The value of the Apple Gift Card, when combined with the value received from any other Schwab offers in the last twelve months, may not exceed $5,000 per household. Please see the Charles Schwab Pricing Guide for Individual Investors on Schwab.com for information about householding. This offer is not transferable, saleable, or valid in conjunction with certain other Schwab offers, including the Kindle Fire Promotion. This offer is available to U.S. residents only. If you are an employee, contractor, or spouse of an employee or contractor, of Schwab or a Schwab affiliate; are a Schwab Independent Branch leader or employee, or spouse of a Schwab Independent Branch leader or employee; or are an employee of FINRA or any U.S. stock, option, or commodity exchange, you are not eligible. Schwab may modify or withdraw this offer at any time without notice. Other restrictions may apply.

You should consult with your own tax or legal advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt of the Apple Gift Card prior to enrolling in the offer or accepting the Apple Gift Card. Any taxes related to the offer are your responsibility. The value of all Schwab offers received will be reported as Other Income on your Form 1099-MISC if, when combined with Other Income earned on your retail brokerage account, the value totals $600 or more during the calendar year.

Apple is a registered trademark of Apple Inc. (“Apple”). Apple is not a participant in or sponsor of this Promotion.

Amazon, Kindle, and the Kindle Fire are trademarks of Amazon.com, Inc. or its affiliates. Kindle Fire devices are given away on behalf of Charles Schwab & Co., Inc. Amazon is not a sponsor of the Kindle Fire Promotion.